Student loan debt has been an issue for a while, and it’s now at $1.4 trillion in the U.S. To make matters worse, a few recent happenings have made the situation a little more grim for borrowers. These changes won’t affect every student debtor, but it’s still worth paying attention.

Credit card minimum payments are designed to keep you in debt for a long time. The more you pay each month, obviously, the quicker you’ll be debt-free. To put a timeline on it, check out this chart from Business Insider. It tells you how long it’ll take to pay off your debt, depending on how much you pay every month.

It’s important to read the fine print with just about everything—especially credit cards. Credit card companies use some pretty sneaky tactics to get you to sign up. They lure you with tempting offers that seem legit, but if you miss one iota of fine print, you’re royally screwed. Here’s what to watch out for,…